Refund PolicyHonest. Clear. No surprises.

Our Commitment

At FinovaOS, we believe in a fair and transparent relationship with our customers. This Refund Policy explains when you are eligible for a refund, how to request one, and what to expect. We aim to resolve all refund requests fairly and promptly.

Who This Applies To

This policy applies to all customers who purchase a FinovaOS subscription directly through our platform. Payments made from Pakistan are processed in PKR by Safepay, and international payments are processed in USD by LemonSqueezy — both are trusted third-party payment providers. This policy applies identically regardless of which provider handled your payment. This policy governs refunds for subscription fees only — it does not apply to any third-party services or integrations you may have purchased separately.

Monthly Plans

Monthly subscriptions are billed every 30 days and auto-renew until cancelled. Due to the short billing cycle and immediate access to the full platform, monthly subscription payments are non-refundable once charged.

Yearly Plans

Yearly subscriptions are billed once annually and auto-renew after 12 months unless cancelled before the renewal date. Yearly plans are eligible for a full refund within 14 days of the initial payment date.

Plan Upgrades & Downgrades

If you upgrade from a monthly to a yearly plan, the 14-day refund window applies from the date of the yearly payment. Downgrades take effect at the end of the current billing period — the difference is not refunded for the remaining period.

Yearly Plan — 14-Day Window

You are eligible for a full refund on a yearly plan if: (1) your refund request is submitted within 14 calendar days of the initial payment date, and (2) you have not violated our Terms of Service or Acceptable Use Policy. Refund requests submitted after the 14-day window will not be approved.

Technical Failures

If FinovaOS experiences a significant technical failure that prevents you from accessing the platform for an extended and unresolved period, you may be eligible for a prorated credit or partial refund at our sole discretion, regardless of your plan type. Eligibility is assessed case-by-case based on the nature, duration, and impact of the disruption.

Duplicate Charges

If you were charged more than once for the same subscription period due to a billing error, we will refund the duplicate charge in full upon verification. Please contact us immediately at legal@finovaos.app with your receipt details.

Monthly Subscriptions

All monthly subscription payments are non-refundable. Cancelling a monthly plan stops future renewals but does not entitle you to a refund of the current billing period.

Yearly Plans After 14 Days

Yearly subscription payments are not refundable after the 14-day refund window has passed, regardless of whether you continue using the platform for the remainder of the year.

Partial Months & Unused Time

We do not issue prorated refunds for partial months of use, unused features, or the remaining portion of a subscription period after cancellation.

Account Violations

If your account was suspended or terminated due to a violation of our Terms of Service or Acceptable Use Policy (including fraud, misuse, or prohibited activities), you are not entitled to any refund of subscription fees paid.

Add-Ons & One-Time Fees

Any one-time setup fees, professional services, custom onboarding fees, or add-on purchases are non-refundable unless explicitly stated otherwise in a separate written agreement.

Step 1 — Email Us

Send your refund request to legal@finovaos.app from the email address associated with your FinovaOS account. Include your company name, registered email, subscription plan, and the reason for the refund request.

Step 2 — We Review Your Request

Our team will review your request within 2–3 business days and verify your eligibility based on this policy. We may ask for additional information to process the request.

Step 3 — Approval & Processing

Once approved, we will initiate the refund through the payment provider that processed your original transaction — Safepay for payments made in PKR from Pakistan, or LemonSqueezy for international payments in USD. Refunds are returned to the original payment method used at the time of purchase.

Step 4 — Bank Processing Time

After we initiate the refund, the funds will appear on your statement within 5–10 business days, depending on your bank or card issuer. Total processing time from request to refund typically takes 7–14 business days.

Cancelling Your Subscription

Cancellation and refund are two separate actions. Cancelling your subscription stops future automatic renewal charges — your account remains active until the end of the current billing period. Cancelling alone does not trigger a refund for the current period.

Requesting a Refund

A refund request is a separate action from cancellation. If you wish to cancel and receive a refund (for eligible yearly plans within 14 days), you must submit both a cancellation and a refund request. We recommend doing both at the same time to avoid being charged for the next renewal.

After Cancellation

After cancellation, your account enters a read-only grace period for 30 days. You can log in, view records, and export your data. No new data can be created. After 90 days from cancellation, all data is permanently deleted. See our Terms of Service for full details.

Contact Us First

If you believe you were charged incorrectly, please contact us at legal@finovaos.app before initiating a chargeback with your bank. Most billing issues can be resolved quickly and directly without the need for a dispute.

Chargebacks

Filing a chargeback without first contacting us may result in immediate suspension or termination of your FinovaOS account. We take all chargeback attempts seriously and will provide full documentation to your bank or payment provider to contest any unauthorized chargeback claims.

Fraudulent Chargebacks

Any chargeback filed fraudulently or in bad faith — where the charge was legitimate and within our policy — will be contested in full. We reserve the right to pursue recovery of the disputed amount through available legal channels.

Tax on Payments

Applicable taxes, VAT, GST, duties, or other regulatory fees charged at the time of purchase may not be refundable where required by applicable law. Refunds, where approved, will be issued for the subscription amount only — excluding any non-recoverable taxes or fees collected on behalf of the relevant tax authority.

Payment Processor

All refunds are processed through the third-party payment provider that handled your original payment — Safepay for PKR payments from Pakistan, or LemonSqueezy for international USD payments — and are subject to that provider's processing timelines and policies. FinovaOS initiates refunds promptly upon approval but cannot control the exact timeline of funds clearing your bank, which may vary by card issuer or financial institution.

Right to Deny

We reserve the right to deny any refund request that does not meet the eligibility requirements described in this policy. All refund decisions are made at our sole discretion. If your request is denied, we will communicate the reason clearly and promptly.

No Obligation Beyond This Policy

This Refund Policy represents the full extent of our refund obligations. We are not bound by any verbal representations, informal agreements, or promises made outside of this written policy unless confirmed in a separate signed agreement with Finova Forge.

Updates

We may update this Refund Policy from time to time. If we make material changes, we will notify you via email at least 14 days before the changes take effect. The updated policy will apply to all purchases made after the effective date. Continued use of FinovaOS after that date constitutes your acceptance of the updated policy.

Refund Requests & Billing Questions

For all refund requests, billing inquiries, or questions about this policy, contact us at: legal@finovaos.app — Our team responds within 2–3 business days. FinovaOS is a product of Finova Forge.